As they say have a backup plan and then a backup of the backup.

It works for everything, including bitcoin.

Going to travel? Have cash with you but also have a card, what if both of them fail somehow like your cash gets stolen and card blocked? Have a third backup plan, for instance a friend who you trust to cover your expenses, who also has their cash and card with them.

It's the same with bitcoin. Hardware wallets aren't safe enough when we're talking about life savings. Have a hardware wallet, a backup seed, or a private key, and if you can also another backup somewhere else. If you can have multiple wallet one hot for your expenses and a cold wallet with double backup. I keep mine in a fireproof safe that's bolted to the floor.